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Features SMCU Visa®
APR for Purchases and Cash Advances Variable Rates From 8.99% To 17.99%
Annual Fee None
Grace Period for Purchases 25 Days
CU Rewards™ Included
Finance Charge Computation Average Daily Balance (Including New Purchases)
Overlimit Fee None
Late Charge Fee $25
Cash Advance Fee 2% Up To a Maximimum of $25 Per Advance
Return Check Fee $20
Foreign Transaction Fee Up To 1% of the U.S. Dollar Amount of the Foreign Transaction
Rates as of 2/18/2010.


Default Rate

Default Rate. A Default Interest Rate will apply in the event you fail to make your minimum monthly payment for two consecutive billing cycles. If you are in default under the terms of your Visa Credit Card Agreement, your Annual Percentage Rate will increase to 17.99%. Default includes, but is not limited to, failure to make timely payments for non-consecutive billing cycles. If you successfully make at least six timely minimum monthly payments after the Default Interest Rate goes into effect, the APR will be reduced to the regular rate pursuant to your Agreement with us.


Convenience

Balance Consolidation

Consolidating your balances to one card not only saves you the high cost of interest; it offers you a smart, simple way to manage your finances. Whether you use convenience checks or our balance consolidation form, we'll handle all the details. You'll save with our low rate on all balances that we transfer, plus you'll enjoy the convenience of just one monthly payment. For more information, call our Contact Center at (206) 398-5500 or (800) 334-2489.

Convenience Checks

Each card offers convenience checks, a flexible way for you to write yourself a loan for unexpected expenses, or to save on interest by consolidating balances from higher-rate cards.

To report a lost or stolen SMCU Visa® credit card, call (800) 449-7728, 24 hours a day, 7 days a week.


Click here to view a PDF of our Credit Card Agreement.

Click here to view a PDF of our Credit Card Pricing Information.


Interest Rates and Interest Charges


Interest Rate Details
Penalty APR & When It Applies 17.99% This APR May Be Applied To Your Account If:
  • Your Minimum Monthly Payment Is More Than 60 Days Late
  • If You Are In Default of Any Other Terms of the Agreement
How To Avoid Paying Interest On Purchases Your Due Date Is 25 Days After The Close of Each Billing Cycle. We Will Not Charge Any Interest on the Portion of the Purchase Balance That You Pay By The Due Date Each Month
For Credit Card Tips From The Federal Reserve Board To Learn More About Factors To Consider When Applying For or Using A Credit Card, Visit The Website of The Federal Reserve Board At: http://www.federalreserve.gov

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